TELLER

Southern Michigan Bank & Trust•Nottawa Township, MI

About The Position

The Teller delivers high-quality customer service by explaining and processing financial services, maintaining accurate records, and following organization policies and procedures. The role builds customer relationships and supports customers throughout their financial needs, including routine teller services, account opening and closing, consumer loan applications and closings, and referrals to other bank services. The employee also supports branch operations, business development, marketing initiatives, and the branch’s appearance and lobby management. The position requires a positive, respectful, and professional approach; effective communication with a supervisor; sound time and workload management; punctuality; and meeting or exceeding productivity standards. The employee must maintain strict confidentiality of bank operations and customer information, attend required meetings, and complete required training. The role may involve leading the branch in management’s absence, discussing overrides, and mentoring or training incoming Tellers or Universal Bankers. There are no supervisory responsibilities.

Requirements

High school diploma or GED.
Ability to perform essential duties satisfactorily and maintain confidentiality and professionalism.
Interpersonal and problem-solving skills, including the ability to work positively with internal and external customers and assist beyond normal duties as needed.
Ability to solve practical problems involving concrete variables where standardization is limited, and to interpret written, oral, diagrammatic, or schedule-based instructions.
Ability to meet the physical demands of the role, including frequently lifting or moving up to 15 pounds and occasionally up to 25 pounds.
Specific vision abilities include close, distance, and color vision, depth perception, and ability to adjust focus.

Nice To Haves

Cash-handling, retail, or financial experience.
Customer service experience.

Responsibilities

Build and maintain customer relationships by providing high-quality customer service.
Assist customers throughout their interactions, acting as a full relationship manager.
Perform normal daily teller duties.
Interview customers to obtain information and proactively sell bank products and services, including checking, savings, Individual Retirement Accounts, Certificates of Deposit, and Savings Bonds.
Open and close accounts using needs-based techniques.
Help customers understand consumer loan options, prepare applications, and complete loan closings professionally and compliantly.
Explain electronic services, Wealth Management, and Commercial/Mortgage loan services, and refer customers to those departments when possible.
Participate in outbound calling and business development efforts to support branch goals.
Resolve branch operations matters and support marketing initiatives.
Maintain a clean, professional work area and assist with lobby management and branch appearance standards.
Service, audit, and balance drawers, vaults, TCRs, PTM, coin machines, and other branch technology within established guidelines.
Prepare, verify, and order incoming and outgoing cash shipments.
Prepare and sign cashier’s checks, loan checks, and wires within assigned limits.
Open, close, and lead the branch during management’s absence.
Discuss and process overrides for less experienced tellers.
Mentor and train incoming Tellers or Universal Bankers.
Follow security, compliance, and regulatory requirements; complete required security, fraud, compliance, and customer service training.
Maintain confidentiality and professionalism, communicate regularly with a supervisor, manage time and workload effectively, meet productivity standards, attend required meetings, and perform other duties as assigned.